Credit Score

[Anonymous]

If I have been do almost all of my shopping in a high end retail store and change to buying everything at Wal Mart will my FICO score be lowered because the computer sees me changing where I use my credit?

dylax

[trdmlc]

No, transactions are not considered in Fico scoring.

[vanillabean]

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@Anonymous wrote:

If I have been do almost all of my shopping in a high end retail store and change to buying everything at Wal Mart will my FICO score be lowered because the computer sees me changing where I use my credit?

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I think someone recently pointed out in this forum that Amex might raise an eyebrow at just that. Consequences in theory could be lowering your credit limit or something like that, I don't know. If that happens, your util could go up, which means your credit score could go down. Anything is possible in these crazy times. Which cards do you have?